AIA HealthShield Gold Max Special - brochure Feb ... - AIA Singapore

AIA HealthShield Gold Max and Max Essential 12
Frequently Asked Questions
It is always our intention to write in plain English, and to be as transparent as possible when
describing our products. The questions and answers below reflect the most common concerns
raised by our customers. If you have any other questions not addressed here, please ask your
AIA Financial Services Consultant for more information. Alternatively, you may visit our website
at aia.com.sg or contact our AIA Customer Care Hotline at 1800 248 8000.
Q1. Am I eligible to apply for AIA HealthShield Gold Max for myself and my family members?
You can apply for AIA HealthShield Gold Max for yourself and your family members
(grandparents, parents, spouse or children) if you and your family members are Singaporeans or
Singapore Permanent Residents aged 75 years or below on your/their next birthday.
Q2. How can I pay premiums for myself and my family members?
AIA HealthShield Gold Max premiums can be paid from your CPF Medisave account, subject to the
CPF Medisave withdrawal limit 4 . If you have insufficient funds in your CPF Medisave account, or if
your premium exceeds the CPF Medisave withdrawal limit 4 , the balance of the premium payment
must be made by cash. AIA HealthShield Gold Max Essential premiums can only be paid by cash.
Q3. Will my premium change when I renew my policy?
Your premium will change as you move into the next age group.
Q4. Are these plans guaranteed renewable?
Yes, they are guaranteed yearly renewable on your policy anniversary date by payment of the
annual premium in advance before the end of the grace period.
Q5. Do I have to take a medical examination?
Subject to underwriting, you may be required to take a medical examination.
Q6. What are deductible and co-insurance?
The deductible is a fixed amount of up to a stipulated amount on a policy year basis that you have
to pay first before the benefits are paid. The co-insurance is a fixed percentage of the medical bill
that you have to pay after deducting the deductible amount.
Q7. What conditions are excluded under these plans?
Exclusions common to many medical expense reimbursement plans apply to AIA HealthShield
Gold Max and AIA HealthShield Gold Max Essential, including:
• Pre-existing conditions, which means any illness or condition that occurred before the date
your policy began or the date your policy was last reinstated, whichever is later (unless a
declaration has been made by the Insured at the time of application or reinstatement of the
policy and we have specifically accepted the application).
• Treatment for infertility, sub-fertility, assisted conception or any contraceptive operation
and sex change operations.
• Treatment arising from injuries sustained during wars (whether war be declared or not), civil
commotion, riots, revolutions, strikes, nuclear reaction or any war-like operations.
There are other conditions whereby the benefits under these plans will not be payable. You are
advised to read the policy contracts for the full list of exclusions.
Q8. Is there a waiting period before I am eligible for certain benefits?
There are waiting periods applicable to some benefits under these plans. Such benefits shall
not be payable if the condition relating to or covered by the benefits is diagnosed during the
waiting period. These waiting periods start from the date your respective plan began, the last
reinstatement date of your respective plan (if any) or effective date of plan upgrade (if any),
whichever is latest.
(i) For pregnancy complications benefit, a waiting period of 10 months applies.
(ii) For congenital abnormalities of insured’s biological child from birth, a waiting period of
10 months applies.
(iii) For insured (as living donor) donating an organ, a waiting period of 24 months applies.
The date the recipient of the organ is first diagnosed with organ failure must be after the
24 months waiting period.
Q9. Can I buy AIA HealthShield Gold Max Essential after my AIA HealthShield Gold Max plan
is incepted?
Yes you can. However, the waiting periods applicable to benefits under AIA HealthShield Gold
Max Essential will start from the inception date or the last reinstatement date of the rider,
whichever is later. Please refer to the policy contract for more information.
Q10. How will I receive my claim payout?
Most benefits payable under the plans are paid on a reimbursement basis (except for Waiver of
Premium Benefit (upon Total and Permanent Disability) under AIA HealthShield Gold Max and
Daily Hospital Incentive Benefit under AIA HealthShield Gold Max Essential), which means that
any claim needs to be supported by original hospital or medical bills.
Q11. Can I change my mind and cancel the policy after I’ve purchased?
Yes you can. You may cancel AIA HealthShield Gold Max by writing to us within 2 calendar
months from the date you receive your AIA HealthShield Gold Max policy document (free-look
period). You may cancel AIA HealthShield Gold Max Essential by writing to us within 14 days
from the date you receive your AIA HealthShield Gold Max Essential policy document (free-look
period) or within the free-look period of your AIA HealthShield Gold Max (whichever is later).